#vilesa-wallets-3ds

1 messages · Page 1 of 1 (latest)

open tree
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use apple pay (and google pay...) directly when confirming a payment intent. In that case there will be no 3DS.
Generally there shouldn't be 3DS requested for wallet payments like this as the authentication is done when the card is added to the wallet. Doesn't mean that's always respected by banks/issuers.

And the payment method will not be attached to the customer and cannot be reused in any way later
Not true, cards via Google/Apple Pay can be saved to a Customer and re-used for recurring payments.

use apple pay to create and attach a payment method. In that case I will see that the payment method comes from "wallet" apple pay. I will be able to reuse this payment method, but it will be "unrelated" to apple pay, and 3DS might be required.
Depends on how you intend to re-use it. I don't think you can initiate one-time off-session payments via Apple Pay, but recurring payments should be fine.

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See: https://stripe.com/docs/apple-pay?platform=web#recurring-payments

You can use Apple Pay tokens to create one-off payments or subscriptions. For repeat purchases that aren’t related to a subscription, Stripe recommends that you create single-use tokens. Your customer must authenticate with the Apple Pay payment sheet each time—attempting to reuse payment information for a non-subscription payment can result in it being declined.

Apple Pay

Allow customers to securely make payments using Apple Pay on their iPhone, iPad, and Apple Watch.

ocean vigil
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cehcking

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And the payment method will not be attached to the customer and cannot be reused in any way later
"Not true, cards via Google/Apple Pay can be saved to a Customer and re-used for recurring payments."

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hmm

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let me show you a counter example

wispy onyx
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Hi! I'm taking over this thread.

ocean vigil
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hi!

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when trying to attach the PM to be able to reuse it, I get:

{
"error": {
"message": "This PaymentMethod was previously used without being attached to a Customer or was detached from a Customer, and may not be used again.",
"type": "invalid_request_error"
}
}

wispy onyx
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In general (wether using Apple/Google Pay or something else), once you use a PaymentMethod that is not attached to a customer, then you can no longer use that payment method nor attach it to a customer.

ocean vigil
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ok thanks

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can you check my second scenario and confirm it's correct?

wispy onyx
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What is your second scenario?

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This?

  • use apple pay to create and attach a payment method. In that case I will see that the payment method comes from "wallet" apple pay. I will be able to reuse this payment method, but it will be "unrelated" to apple pay, and 3DS might be required.
ocean vigil
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yes

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it my understanding correct?

wispy onyx
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I will see that the payment method comes from "wallet" apple pay
yes, you can check that in the API here: https://stripe.com/docs/api/payment_methods/object#payment_method_object-card-wallet-type
I will be able to reuse this payment method, but it will be "unrelated" to apple pay, and 3DS might be required.
not sure what you mean by "unrelated to apple pay". but yes you can try to reuse that payment method. However as ynnoj mentioned:
Depends on how you intend to re-use it. I don't think you can initiate one-time off-session payments via Apple Pay, but recurring payments should be fine.
See: https://stripe.com/docs/apple-pay?platform=web#recurring-payments

ocean vigil
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I mean:
it is possible to attach a Google Pay payment method. Example in dev: pm_1LIZ2GGTsLVnzqGE9UIBRbcz
it says wallet google_pay
and I was able to use it: https://dashboard.stripe.com/acct_1JAB41GTsLVnzqGE/test/payments/pi_3LItsQGTsLVnzqGE2W3iMAVL
my question is: could payments using attached Google Pay PMs trigger 3DS?

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wispy onyx
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it is possible to attach a Google Pay payment method.
Yes it is. And the example you just shared is a proof of this.
could payments using attached Google Pay PMs trigger 3DS?
I'm not sure, let me look into this.

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So it looks like the bank may request 3DS on Apple/Google Pay, but in this case the PaymentIntent will simply fail.

ocean vigil
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let me check your message

ocean vigil
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oh wow

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so it's not ideal if the payment intent simply fails no?

sullen cradle
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Hey, I am just catching up to this thread. How is your payment intent failing here?

ocean vigil
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hi
please read soma's message

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Soma is saying: "if you attach a apple/google pay payment method, and try to use it later, if the bank requests 3DS, then the pi_ will just fail

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do you confirm that?

sullen cradle
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Ah I see, thank you for the clarification. Checking in to that payment

ocean vigil
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i'm not referring to a specific payment

sullen cradle
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Hey apologies that it took me a while to actually get caught up on this thread. I should have pulled in a colleague to help you while I was too busy.

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So yes, it isn't great for the payment intents to fail here but it will just work like a standard decline. The user can retry another payment method either through your app or through Google Pay if that happens

ocean vigil
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ok i see, thanks